It’s 5 to 10 (Official clock system).

09:55

It’s 5 to 10.

Correct answer

10:05

It’s 5 past 10.

Error: mirror minute hand about the vertical axis

09:49

It’s 11 to 10.

Error: read minutes as hours with ‘past’ or ‘to’

11:45

It’s a quarter to 12.

Error: confuse hour and minute hands